Welcome to the most complete real estate education site you will find. We can meet all your real estate needs - Pre-License, Real Estate CE, Mortgage CE,
Title Insurance and Escrow Classes & Renewal Packages .
We are one of the nation’s largest real estate schools offering real estate pre-licensing and continuing education courses online. We have more demos than any other company. Look before you buy! CHECK IT OUT. View our course catalog and fulfill your educational requirements with us. Each state has their own requirements. Check your state on the left.to see what we offer. Click this link to see Real Estate Professional Development courses available to all states.
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Sample Real Estate Pre License Packages
California Appraisal 135-Hour Textbook Package 135 Hrs
California Finance 135-Hour Textbook Package 135 Hrs
California Economics 135-Hour Textbook Package 135 Hrs
California Broker 225-Hr Upgrade Textbook Pkg 225 Hrs PL Pack
California Broker 360-Hr Pre-License Textbook Pkg 360 Hrs
PL Pack
Sample Real Estate CE Classes
24-Hour Arizona Real Estate CE Package 2 24.0
Agency Law 3.0
Asset Management 3.0
Fair Housing 3.0
Property Management 3.0
Home Inspection 3.0
Real Estate Math 3.0
Titles and Records 3.0
Estimating Gross Living Area 3.0
Relocation: Assisting Corporate Transferees 3.0
Commissioners Rules 3.0
Disclosure 3.0
Using the Internet to Serve Clients 3.0
Liens, Taxes and Foreclosures 3.0
Code of Ethics 3.0
Arizona Contract Law 3.0
Deeds 3.0
Contracts, Purchase & Sales 4.0
Real Estate Appraisal 4.0
Real Prop Ownership & Land Use 4.0
Real Estate Finance 4.0
Environmental Hazards 4.0
Leases 4.0
Tax-Favorable Real Estate Transactions 4.0
Sample Mortgage CE Classes
6 hour Illinois CE Package #2 6 Hrs
6 hour Illinois CE Package #3 6 Hrs
6 hour Illinois CE Package #4 6 Hrs
1031 Real Estate Exchanges 3 Hrs
Deeds 3 Hrs
Liens, Taxes and Foreclosures 3 Hrs
Real Estate Appraisal 3 Hrs
Real Estate Finance 3 Hrs
Tax Favorable Real Estate Transactions 4 Hrs
Titles and Records 4 Hrs Demo
Closings and Settlement Costs 4 Hrs
Contracts, Purchase and Sales Agreements 4 Hrs
Fair Housing 6 Hrs
Sample Title Insurance and Escrow CE
Gramm Leach Bliley Act 1.0
Business Writing 3.0
Business Writing 3.0
Fair Housing 3.0
Understanding an Appraiser's Role 3.0
Estate Planning - Basic 3.0
Estate Planning - Advanced 3.0
Managing Corporate Records 3.0
Fundamentals of Mortgage Lending 15.0
Home
Real Estate
CE, Pre-License, Title Insurance & Escrow, RE Exam Prep and Mortgage CE
By Online SchoolRoom
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Real estate online pre license classes,real estate ce classes, real estate online mortgage CE classes, title insurance & escrow ce classes online-real estate law,real estate appraisal,real estate broker classes,fair housing classes,real estate math, real estate contracts,estate planning and fundamentals of mortgage lending
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SAMPLE COURSE DESCRIPTIONS
California Pre License Course Description
California Law 135-Hour Textbook Package
Huber Books
Supplementary Material: California Real Estate Principles -- W. Huber, 11th Ed.
45 Credit Hours
This 10th edition of California Real Estate Principles is an ideal introductory text for beginning real estate students and an excellent study guide for those taking the California real state license exam! The textbook covers all matters related to the ownership and transfer of real property, from deposit receipt to completed escrow, and beyond. The author has made the latest changes specifically to address new information that students are required to know.
CONTENTS/CHAPTERS:
- Introduction to Real Estate
- Estates, Transfers, and Titles
- Encumbrances
- Agency and Its Responsibilities
- Contracts
- Landlord and Tenant
- Escrows and Title Insurance
- Real Estate Finance
- Financial Institutions
- Appraisal Basics
- Appraisal Methods
- Subdivisions and Government Control
- Taxation of Real Estate
- Licensing, Education, and Associations
- Real Estate Math
- Glossary
- Index
- Appendix A
- Order Form
Real estate online pre license classes,real estate ce license renewal classes, real estate online mortgage CE classes, real estate industry title insurance classes & escrow classes online-real estate law,real estate appraisal,real estate broker classes,fair housing classes,real estate math, real estate contracts,estate planning and fundamentals of mortgage lending
GENERAL INFORMATION PAGE FOR HOME-STUDY STATUTORY COURSES
COURSES: TEXTBOOKS:
- Real Estate Principles California Real Estate Principles
- Real Estate Practice California Real Estate Practice
- Legal Aspects of Real Estate California Real Estate Law
- Real Estate Finance Real Estate Finance
- Real Estate Appraisal Real Estate Appraisal
- Real Estate Economics Real Estate Economics
- Mortgage Loan Brokering and Lending Mortgage Loan Brokering
- Property Management Property Management
- Business Law California Business Law
We will be using the most recent edition of the textbooks published by Walt Huber’s Educational Textbook Company, Inc.
COST:$79 for ordering a single course. {This cost includes the price of the textbook.}
REFUND POLICY: All tuition and fees paid for the course are due and refundable when: (a) the course of instruction is discontinued by the school, preventing a student from completing the course; OR (b) the enrollment of student was procured as a result of any misrepresentation in advertising, promotion materials of the school, or representation made by an owner or employee of the school. All refunds will be completed within 30 days after the effective date of enrollment termination.
COURSE CONTENT / TIME LIMITS: Each home-study course consists of spending a minimum of 45 hours reading and studying the course textbook, taking the non-graded chapter review quizzes, and passing a final examination. The final examination can be taken a minimum of 18 days from the date the student has had access to the course materials. No two courses can be completed in less than five weeks. Students must spend a minimum of 2.5 weeks studying each course. The maximum time students have to complete a course is one year from the date of registration. If students fail the final examination, they can take an alternate final examination one time. However, students must wait a minimum of another 18 days studying the course materials before they can re-take the final examination. If students fail the final examination two times, they will need to re-enroll in the course and pay the enrollment fee. If at that time, we are still using the same edition of the textbook, students will not be required to purchase a duplicate edition of the textbook. Softech International, Inc. will deduct $16.50 from the enrollment fee. If, at the time of re-enrollment, we are using a more recent edition of the text, students will be required to pay the full enrollment fee and will receive the updated edition of the text.
FINAL EXAMINATION: The final exam is open-book and consists of 100 multiple choice questions. Students are allowed 2.5 hours to complete the final exam, and need to score a minimum of 60% to pass. Students will take the final exam on the internet and will be issued a unique username and password. Internet final exams can not be printed or downloaded and the exam will automatically time-out at 2.5 hours.Under no circumstances shall the final exam be furnished directly to the students.
COURSE COMPLETION CERTIFICATES / RECORDS:Course completion certificates will be issued immediately upon passing the final examination (to be printed by the student). Records of course completion certificates will be maintained indefinitely to allow students to receive a duplicate certificate if needed.
PROBLEMS / COMPLAINTS: Persons seeking to resolve problems or complaints should contact Softech International, Inc. at the address or telephone number above.
EVALUATION: The DRE has a course and instructor evaluation available on the lower right section of the homepage of their web-site at www.dre.ca.gov.
DISCLOSURE STATEMENT
Private providers of pre-license statutory real estate courses must obtain course approval from the Department of Real Estate (DRE). As part of the approval process, the DRE reviews the course materials only. The DRE does not qualify the school or course provider. In addition, there is no regulatory oversight of private pre-license course providers who offer courses or programs costing $500 or less. For courses or programs over $500, qualification by the Bureau for Private Postsecondary and Vocational Education is required, in addition to DRE course approval. As a result, if a course provider offering a course costing $500 or less fails to deliver the educational course/program as represented, a student’s monetary remedy is to seek redress in Small Claims Court. Students are cautioned to fully understand the education course/program offered by the provider before enrolling or registering. A list of pre-license statutory courses approved by the DRE can be found on the DRE Web site at www.dre.ca.gov under DRE Records.
Real Estate Ce
24-Hour Arizona Real Estate CE Package 1
Agency Law (3 hours)
Fair Housing (3 hours)
Gross Living Area (3 hours)
Arizona Contract Law (3 hours)
Disclosures (3 hours)
Home Inspection Basic (3 hours)
Titles and Records (3 hours)
Commissioner's Rules (3 hours)
Mortgage CE
New York Estate Planning - Basic
This course focuses on the proper methods of holding legal title to property during your life, and passing your estate on to your heirs in a manner and timing of your choosing, all with minimum taxes and intervention by the legal system. Estate Planning Basic begins with a consideration of the estate planning process and the documents of transfer. In addition, estate planning techniques such as trusts, marital and charitable deduction vehicles, post-mortem planning, and intra-family businesses and property transfers are also discussed.
Title Insurance and Escrow CE
South Carolina Fundamentals of Mortgage Lending
This course provides an introduction to the basics of mortgage lending, from qualifying the borrower and qualifying the property in the underwriting process, to the various types of financing available, to closing the sale. The course begins with a discussion of the forces that control the market: supply, demand and the government. The student will learn the varied methods of real estate finance. Lenders run risks in making real estate loans; for this reason, they must have a firm grasp of a borrower’s financial qualifications. They consider a borrower’s income, credit, debt, source of funds and net worth. However, no analysis, no matter how thorough, of a borrower’s creditworthiness can be enough to make a loan free of risk. The second lesson introduces the different legislation related to real estate mortgage of which the student must have a fair knowledge. The third lesson describes the mortgage market and the way it is divided into primary and secondary lenders.
The student will learn how title, the abstract ownership rights to the property, is transferred to the buyer with a deed. The earnest money contract will also be discussed: terms of the contract, contingencies and earnest money deposits. In lesson five, the focus turns to closing. The student will learn the customary costs involved in a real estate transaction, how certain items are prorated between the buyer and the seller and the requirements set forth by the Real Estate Settlement and Procedures Act (RESPA).
Lesson six discusses foreclosure. It considers what happens when a borrower is in default of the mortgage contract and how lenders may help borrowers prevent foreclosure through forbearance, moratoriums and recasting. Also discussed is how, when these techniques fail, the property is foreclosed and sold at auction and how the creditors are repaid.
The module continues with the types of mortgages available. The seventh and eighth lesson discuss the elements of conventional loans—conforming and nonconforming—adjustable rate, graduated payment, growth equity and reverse annuity mortgages, to name a few. The advantages and disadvantages of each type of financing are emphasized so that the student may better understand the decision-making process inherent in real estate finance.
Two specific types of financing, FHA-insured and VA-guaranteed loans are reserved for separate lessons. FHA loans are insured by the government and perceived as less risky by lenders. They are available to all natural and naturalized U. S. citizens, but they carry a monthly insurance premium that cannot be canceled. VA loans are guaranteed in part by the government, but are only available to veterans, active servicemen and certain national guardspersons and special reservists.
At the end of each lesson, the student will be asked to complete a quiz that tests the information covered in that lesson in order to move on to the next lesson. The course ends with a real world practice lesson that brings together the concepts and material discussed throughout the entire course.
Upon completion of this module, the student will:
- Understand how the forces of supply and demand in the real estate market affect and are affected by the primary lending market.
- Know how the government influences real estate finance through agencies like the Federal Reserve and the Department of Housing and Urban Development.
- Understand the basic concepts of real estate finance.
- Know the principal instruments of financing—the promissory note, the mortgage and the deed of trust—and how they are used.
- Understand how interest rates affect the real estate market.
- Know who lends money to the purchasers of real estate.
- Be familiar with the operations of the secondary market for loans.
- Know how to calculate the monthly payments for a fully amortized, fixed-rate loan.
- Be familiar with the tax deductions and credits associated with real estate ownership.
- Know the use of and legal requirements placed upon escrow accounts.
- Know the difference between lien theory and title theory states.
- Know what a discount point is, when it is offered and when it should be bought.
- Be familiar with what an underwriter looks for in approving a loan.
- Be familiar with the elements of a credit report and how FICO® scores affect a consumer’s borrowing ability.
- Be familiar with the provisions of the federal legislation that affect real estate lending: the Fair Credit Reporting Act, the Equal Credit Opportunity Act and the Truth in Lending Act.
- Know the use and the method of calculation of a lender’s qualifying income ratios.
- Be familiar with the classification of types of debts.
- Understand the role of mortgage brokers and loan officers in the financing process.
- Know the difference between constructive and actual notice and the buyer’s obligations under the principle of caveat emptor.
- Be familiar with the lender’s requirements for qualifying the title and how a title insurance company verifies that a mortgagee will have the first lien through a title search.
- Know the purpose and content of an earnest money contract and the earnest money deposit.
- Know what a deed is and the types of interest it can convey.
- Be familiar with the exceptions and reservations that can be placed upon a title.
- Be familiar with the RESPA requirements for closing procedures and disclosures at closing.
- Know the basic organization of face-to-face and escrow closings: who presides over them and how transactions are conducted.
- Know the principles of proration: calendar years and banker’s years, as well as prepaid items, accrued items and how to divide them by calculating a daily rate.
- Know the current Fannie Mae and Freddie Mac loan limits.
- Understand private mortgage insurance: when it is required, when it is advisable and when it is cancelable.
- Know the requirements for a borrower’s financial qualifications in a conforming loan.
- Be familiar with the different types of mortgages, including ARMs, GEMs, GPMs and balloon mortgages.
- Understand the use and purpose of temporary and permanent buydowns.
- Be familiar with the most important FHA programs, especially Section 203(b).
- Know the various underwriting requirements for FHA-insured loans, such as down payment and closing cost requirements.
- Understand the FHA’s mortgage insurance premium (MIP) and how it is different from PMI.
- Be familiar with the key elements of the VA loan guarantee program.
- Know who is eligible for the VA program and the documents required for proving one’s eligibili
- Know the current amount of a veteran’s maximum entitlement and how to calculate remaining entitlement.
- Be familiar with Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector electronic underwriting programs.
Real estate online pre license classes,real estate ce license renewal classes, real estate online mortgage CE classes, real estate industry title insurance classes & escrow classes online-real estate law,real estate appraisal,real estate broker classes,fair housing classes,real estate math, real estate contracts,estate planning and fundamentals of mortgage lending
View our other pre-license courses:
Computer-based courses are a convenient and economical alternative to fulfill your Real Estate Continuing Education requirements. You can order and complete the courses at any time from the comfort of your home!
A trusted eLearning provider,
We are dedicated to the support of our students and have help available 24/7.
For Enrollment Questions call 877.230.9485
For tech support (passwords) call 800.442.1149
OnlineSchoolRoom (a division of Classroom Online) and 360training have joined forces to provide online education for the Real Estate industry. We are dedicated to providing online real estate continuing education courses in the most cost-effective and time-efficient manner possible. Our Online School provides continuing education for sales persons as well as brokers. The courses are easy to navigate and cost a fraction of a traditional classroom course. Some of those may take weeks and cost hundreds more. Students may print the certificate online upon completion of the course, or we'll mail it. In addition, students can log on or off at leisure during the course process from any computer.
We are a proven leader in breaking through the regulatory barriers of course approval among both federal and state regulatory bodies. Our innovative e-Learning technology adheres to strict standards recognized by regulators across the United States to provide assurance that seat time, mastery and authentication issues are being met. We achieved many 1st to market approvals for our clients in the fields of real estate, insurance and safety which have allowed them to be the first in their fields to offer online education previously not allowed.
SAMPLE STATE REQUIREMENTS
The California department of real estate (DRE) requires real estate licensees to complete 45 hours of continuing education courses every 4 years in order to renew their license. First time renewals must complete five separate three-hour courses in ethics, agency, trust fund handling, fair housing and risk management. The remaining 30 hours may be related to either consumer service or consumer protection courses. Subsequent renewals for salespersons and brokers must complete their 45 hours in 3 hours of risk management, 6 hours survey and 36 hours of consumer service or consumer protection. You will notice that we provide a complete selection of inexpensive California real estate education courses for you to choose from.
The Ohio Division of Real Estate and Professional Licensing require real estate licensees to complete 30 hours of continuing education every three years. As a part of the 30 hours, licensees must complete 9 hours of core courses: - 3 hours of Civil Rights - 3 hours of Core Law - 3 hours of Canons of Ethics and 21 hours of elective continuing education coursework. You will discover that we offer a great selection of low priced Ohio real estate education courses to choose from.
Beginning with the license period designated by regulation, each person licensed pursuant shall be required to obtain 14 hours of mandatory continuing education during each two-year license period. A licensed broker or salesperson who wishes to activate a license which has been placed on inactive status shall be required to document 14 hours of continuing education.
The Department of Business and Professional Regulation (DBPR) requires real estate licensees to complete 14 hours of continuing education courses every 2 years in order to renew their license. The 14 hours is a combination of 3 hours of Core Law and 11 hours of various specialty elective credits. You will find that we provide a vast selection of inexpensive Florida real estate education courses to choose from, including a stand-alone 3 hour core law course.
The Tennessee Real Estate Commission (TREC) require real estate licensees to complete 16 hours of state approved courses every 2 years. These courses must include 4 hours in the mandatory "core" course and the other 12 hours in elective material. We offer a great selection of reasonable priced Tennessee real estate education courses to select from.
The state of Texas Real Estate Commission (TREC) require real estate licensees to complete 15 hours of state approved courses every 2 years. These courses must include 6 hours of mandatory legal courses consisting of 3 hours legal updates and 3 hours of ethics. The remaining 9 hours are elective courses. We offer an astounding selection of economical Texas real estate education courses to pick from.
The New York Department of State requires licensees to successfully complete 22.5 hours of approved real estate continuing education within their two year license term. Effective for renewals on or after July 1, 2008, the 22.5 hours must include at least three hours of instruction pertaining to fair housing. The remaining hours must consist of approved elective material. You will discover that we offer a good selection of low cost New York Department of State real estate education courses to select from.
The Virginia Department of Professional and Occupational Regulation mandates that licensee’s complete 16 hours of state approved courses every 2 years. The 16 hours must consist of 3 hours ethics, 2 hours in fair housing, 1 hour of legal updates, 1 hour of agency, 1 hour of real estate contracts and 8 hours in real estate related subjects. We offer a diverse selection of affordable Virginia real estate education courses for you to choose from.
Arizona real estate agents must complete 24 hours of state approved courses every 2 years, including six 3 hour mandatory courses. We offer the 24 hour package course that satisfies the Arizona state continuing education requirement.
Of the 24 hours required for renewal, you must obtain three hours credit in each of the following subjects:
- Agency Law
- Contract Law
- Commissioner's Standards
- Real Estate Legal Issues
- Fair Housing
- Disclosure
The remaining six hours may be in any of these subjects or "general" courses.
A total of 24 hours of real estate continuing education is required for each four-year renewal period. All active licensees (with license number above 100,000) must complete at least 24 hours of approved continuing education coursework during each four year renewal period. Any licensee who seeks to activate a license which has been on inactive status for two (2) years or longer shall be required to attend a Commission-approved course or courses of study totaling at least six (6) hours for each year the license was on inactive status.
Retirement Communities May Benefit From Economic Downturn
Thursday, April 16, 2009 -
PARSIPPANY, NJ – According to a recent national survey of Coldwell Banker® real estate professionals, over half of those who work in popular retirement areas are seeing younger retirees (ages 60 and under) looking to purchase homes in their markets.
Furthermore, 43 percent of all the sales associates and brokers surveyed believe market and economic conditions may cause an increase in demand for retiree homes in their areas throughout the next year.
“Over the past couple of years, home prices have declined significantly in the majority of markets with traditional appeal to retirees,” said Jim Gillespie, president and chief executive officer of Coldwell Banker Real Estate LLC. “Younger retirees are taking advantage of these desirable prices and turning the economic downturn into an opportunity.”
While the survey indicates that this is emerging trend across the country, driving factors seem to vary regionally. For example, anecdotal feedback from Coldwell Banker real estate professionals in South Florida finds pre-retirees taking real estate-related steps now to support longer-term goals. “Many individuals not yet ready to retire are purchasing these homes and leasing them until they are prepared to move permanently,” said Elaine Harari of Coldwell Banker Residential Real Estate in Bay Harbor Islands, Fla.
In desirable areas with low property taxes, such as northeast Arkansas, it’s more common for younger retirees to move from more expensive cities; some even taking jobs for which they can telecommute to save money. Additionally, Coldwell Banker professionals in Michigan note that some retirement communities are experiencing an influx of former automobile company employees who have received early retirement packages.
Andrew Brearley, president of Coldwell Banker First Affiliate in Sedona, Ariz. reports a recent increase in sales volume. “Lifestyle is certainly the reason why so many choose to move to Sedona. We have 360 days of sunshine. With the 30 percent price corrections we have experienced, many individuals who are at or near retirement are realizing this is a great opportunity for them. Some buyers who have lost their jobs, taken retirement packages or sold their businesses are moving up their plans for retirement and taking advantage of the low mortgage rates and home prices. Others, who are already here, are moving up.”
The Coldwell Banker real estate professionals surveyed offered their perspectives on the top reasons retirees are buying or selling homes, and 33 percent said the No. 1 reason retirees are moving right now is to live closer to their families. Interestingly, 12 percent cited improvements in housing conditions, such as buyer-friendly home prices and interest rates, as the key drivers.
Other results from the overall survey include:
53 percent of Coldwell Banker real estate professionals have observed an increase in retirees who plan to downsize from their primary residences into smaller properties.
37 percent are seeing an increased number of retirees who own more than one property sell their primary residences to move to their secondary homes.
23 percent are seeing more people buy different homes for retirement, or move into their previously purchased retirement properties earlier than expected.
States Served:
Alabama Ala. AL
Alaska Alaska AK
American Samoa AS
Arizona Ariz. AZ
Arkansas Ark. AR
California Calif. CA
Colorado Colo. CO
Connecticut Conn. CT
Delaware Del. DE
Dist. of Columbia D.C. DC
Florida Fla. FL
Georgia Ga. GA
Guam Guam GU
Hawaii Hawaii HI
Idaho Idaho ID
Illinois Ill. IL
Indiana Ind. IN
Iowa Iowa IA
Kansas Kans. KS
Kentucky Ky. KY
Louisiana La. LA
Maine Maine ME
Maryland Md. MD
Marshall Islands MH
Massachusetts Mass. MA
Michigan Mich. MI
Micronesia FM
Minnesota Minn. MN
Mississippi Miss. MS
Missouri Mo. MO
Montana Mont. MT
Nebraska Nebr. NE
Nevada Nev. NV
New Hampshire N.H. NH
New Jersey N.J. NJ
New Mexico N.M. NM
New York N.Y. NY
North Carolina N.C. NC
North Dakota N.D. ND
Northern Marianas MP
Ohio Ohio OH
Oklahoma Okla. OK
Oregon Ore. OR
Palau PW
Pennsylvania Pa. PA
Puerto Rico P.R. PR
Rhode Island R.I. RI
South Carolina S.C. SC
South Dakota S.D. SD
Tennessee Tenn. TN
Texas Tex. TX
Utah Utah UT
Vermont Vt. VT
Virginia Va. VA
Virgin Islands V.I. VI
Washington Wash. WA
West Virginia W.Va. WV
Wisconsin Wis. WI
Wyoming Wyo. WY
Real estate online pre license classes,real estate ce classes, real estate online mortgage CE classes, title insurance & escrow ce classes online-real estate law,real estate appraisal,real estate broker classes,fair housing classes,real estate math, real estate contracts,estate planning and fundamentals of mortgage lending
Cities Served:
Albuquerque, N.M.
Arlington, Texas
Atlanta, Ga.
Austin, Tex.
Baltimore, Md.
Boston, Mass.
Charlotte, N.C.
Chicago, Ill.
Cleveland, Ohio
Colorado Springs, Colo.
Columbus, Ohio
Dallas, Tex.
Denver, Colo.
Detroit, Mich.
El Paso, Tex.
Fort Worth, Tex.
Fresno, Calif.
Honolulu, Hawaii
Houston, Tex.
Indianapolis, Ind.
Jacksonville, Fla.
Kansas City, Mo.
Las Vegas, Nev.
Long Beach, Calif.
Los Angeles, Calif.
Louisville/Jefferson County, Ky.
Memphis, Tenn.
Mesa, Ariz.
Miami, Fla.
Milwaukee, Wis.
Minneapolis, Minn.
Nashville-Davidson, Tenn.
New Orleans, La.
New York, N.Y.
Oakland, Calif.
Oklahoma City, Okla.
Omaha, Nebr.
Philadelphia, Pa.
Phoenix, Ariz.
Portland, Ore.
Sacramento, Calif.
St. Louis, Mo.
San Antonio, Tex.
San Diego, Calif.
San Francisco, Calif.
San Jose, Calif.
Seattle, Wash.
Tucson, Ariz.
Tulsa, Okla.
Virginia Beach, Va.
Washington, DC
Wichita, Kans
